// The government's job is to ensure it is funded and run properly, nothing more. //
Correct, and one of the ways they do that is to put large taxes on cigarettes (to raise revenue and discourage smoking), large taxes on alcohol (to raise revenue and discourage excessive drinking), alongside running health awareness campaigns, ultimately aimed to reduce nhs expenditure.
If you and I both paid an agreed monthly sum into a joint account for the purposes of privately funding our health care when we needed it, it wouldn't be unreasonable for you to take an interest in my health and whether I was looking after it.
For example, if I took up smoking, drinking whisky all day, and eating nothing but cream cakes so my weight ballooned, I would probably need to be dipping into our joint account pretty regularly. You might be concerned that when it came to needing treatment tourself, there'd be b8ggerall left, thanks to my chosen lifestyle.
I think you'd be perfectly within your rights to suggest that if this joint scheme were to continue, then either I took more care of myself, or paid more into the pot.